No i am betting that the vast majority in the short term will get their Bitcoin tied up with custodians. Fiat will "infect" Bitcoin. Maybe for our entire lives this will be the case.

But in the long term, I'm also betting that wont really matter if Bitcoin is to win like we think it will. I'm fully (maybe delusionaly) aboard the wave that we'll have the entire world in control of their own money.

But we're still in the dark ages of Bitcoin right now. How the tech developments play out to get us there I have no clue, but it's clear that UX is trending easier and easier. If people are that lazy, then Bitcoin UX will meet that level of laziness.

Have to keep in mind, everything I'm saying is assuming the conclusion: Bitcoin will hyperbitcoinize.

If that's to happen, then we'll get these other kinks worked out.

Whether or not that happens in our lifetimes is another question, but that is (one of) the end goal of bitcoin. Get the middleman out of the money. Period.